Our Services

Bart & FMN use the team approach to financial planning. We offer expert advice in the following areas:



1) Tax Planning: Planning for the reduction of tax liabilities to increase cash flow for personal spending and for investment allocation.



2) Cash Flow Management: Maintaining and enhancing personal cash flow through employment, professional practice, or business ownership and controlling allocations of expenditures for life-style maintenance, taxes and investment.



3) Risk Management: Planning for the protection of cash flow through sound financial management and through cost-effective planning, and insuring risks to income and assets.



4) Investment Planning/Money Management: Preparing and managing an asset allocation that best fits your risk profile



5) Business Interests and Employee Benefits: Planning and managing the integration of personal financial planning objectives with the assets and cash flow of business ownership interests and the various benfits typically associated with corporate executives and other salaried employees.



6) Retirement and Financial Independence: Planning the allocation of specific investment dollars (in conjunction with social security benefits, pension, and other retirement plans) to provide adequate capital to generate the cash flow deemed necessary for economic independence.



7) Estate Conservation and Distribution: Planning for the lifetime accumulation and appropriate titling of assets and their distribution according to dispositive intentions at death



8) Mortgage Planning: Effectively planning for any first mortgage or refinance decisions



Bart & FMN will assist individuals, businesses and corporations by:



* Analyzing your present corporate and personal financial situation



* Defining your objectives



* Presenting alternative and optional methods of achieving your financial goals



* Developing a comprehensive corporate and/or personal financial, tax, and estate plan



* Implement your personally designed plan



Since your current financial and estate situation consists of many aspects, coordinating these key areas into a comprehensive plan can enhance your overall position. This is the first step toward creating financial security.



Bart will work with your accountant, attorney, and any other advisor. He will coordinate the efforts of these professionals to ensure that all elements of your financial plan accomplish your objectives.



FMN`s fees for consulting or planning are approved in advance by the client. FMN`s fee structure is as follows:



1) Consulting fees are $200.00 per hour



2) Total Financial Plan is $3,000 to $10,000, as determined at the initial interview.



3) Corporate and Business Planningis $5000 and up.



4) Asset Management fees are based on the total value of the managed assets in a portfolio. All fees are offset by any commission generated by a trade.



5) Investment or insurance recommendations may be made at no cost at the discrestion of FMN



NOTE: Our initial consultation session is free of charge.